Written By David Cusick
Last Updated February 2024
Being a homeowner in Storm Lake is a great option for those who love nature and quiet neighborhoods. However, as great as Storm Lake is, homeownership always comes with its fair share of difficulties, such as trying to handle your home repairs yourself. A home warranty in Storm Lake can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Finding the right warranty for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Storm Lake. Read on for our home warranty recommendations.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
In Storm Lake, Liberty Home Guard offers the most trustworthy home warranty. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process quick and easy.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Storm Lake area.
Read our review of Liberty Home Guard to learn more. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
In Storm Lake, Choice Home Warranty offers the best overall home warranty. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process quick and easy.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Storm Lake area.
Read our review of Choice Home Warranty to learn more. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Storm Lake, Select Home Warranty offers the most cost-effective home warranty. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process quick and easy.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Storm Lake area.
Read our review of Select Home Warranty to learn more. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
In Storm Lake, American Home Shield offers the most customizable home warranty. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process quick and easy.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Storm Lake area.
Read our review of American Home Shield to learn more. To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Storm Lake, First American Home Warranty offers the best home warranty for appliance coverage. First American offers very affordable and comprehensive appliance coverage. Plus, it also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. First American has 2 simple plans, making the selection process quick and easy.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is less than other providers in the Storm Lake area.
Read our review of First American Home Warranty to learn more. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
In Storm Lake, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process quick and easy.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Storm Lake area.
Read our review of Cinch Home Services to learn more. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
In Storm Lake, The Home Service Club offers the best home warranty with the quickest service. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process quick and easy.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Storm Lake area.
Read our review of The Home Service Club to learn more. To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
Home Appliance | Repair Cost |
---|---|
Air Conditioner | $5,683 |
Heating | $3,789 |
Electrical | $568 |
Toilets | $474 |
Washer/Dryer | $758 |
Plumbing | $568 |
Oven | $1,515 |
Fridge | $568 |
A home warranty is a protection policy that helps reduce the high costs for Storm Lake homeowners needing appliance and system repairs. These plans provide coverage to fix or replace appliances and systems that break due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives security for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who own older homes or ones with outdated systems. More modern builds with working appliances probably don’t need a home warranty.
Home warranties cover many home systems and appliances. Typical covered appliances are dishwashers, dryers, refrigerators, garbage disposals, washers, microwaves, and others. Covered systems include air conditioning, electrical, plumbing, and heating. Many home warranty plans offer additional coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Storm Lake homeowners should know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover things like natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement is covered by your policy.
Here are some essential home warranty terms to know before signing a contract:
When selecting a home warranty provider, there are several key factors to consider:
Home warranties have significant variation in what they include. Basic plans typically cover heating, AC, plumbing, electrical, and appliances, while more comprehensive options may also cover roof leaks, spas, well pumps, and pools. Look for providers with flexible coverage choices, including upgraded plans. This allows you to tailor protection to your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a provider with more affordable fees to maximize savings. Some companies also remove deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation can give you insight into things such as repair timeliness, approval rates, contractor quality, and customer service. Browse review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Positive ratings and feedback indicate a provider known for great service.
Home warranty providers maintain networks of professionals to handle covered repairs. Larger networks improve the probability of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Storm Lake to get a sense of how quickly your repairs could be handled in an emergency.
Some home warranty plans include bonuses such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These perks add value beyond repair coverage. Added bonuses help maximize the usefulness of your home warranty.
Home warranty plans are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Storm Lake reaching an average high of 57℃F, you may find that some appliances, such as your A.C., get a lot of use. A home warranty can considerably bring down out-of-pocket costs should your HVAC system stop working.
Not only does a home warranty provide some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a technician and schedule a repair. A home warranty handles the research by sending trusted professionals to your door when you need them most. Another added benefit of having a home warranty plan is that it can increase your home’s real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.
One disadvantage of purchasing a home warranty is that there are usually exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it’s important to read through the contracts you’re considering carefully to get a sense of what is included and what isn’t.
Another potential pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your repair requests being rejected, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Storm Lake can cost between $30 and $60 a month. The higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some companies will also lower your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in case of a situation such as a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim if you need a new washing machine or oven, unless the damage is a result of a natural disaster, which isn't that common in Storm Lake.
A home warranty policy can help homebuyers, homeowners, home sellers, real estate agents, and investors. It can offer peace of mind to anyone involved in homeownership.
A home warranty will cover your home’s systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Generally, a home warranty policy lasts for a year and can be renewed annually. Some providers may offer month-to-month plans.
Typically, the one who owns the home pays for the home warranty. In some cases, though, the home seller may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Storm Lake is $172,060, a home warranty can be an added asset when buying a home.